Category Archives: Proposed Legislative Changes

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FCRA Section 623(a) violations do NOT result in legal claims for consumers

A CreditFactors subscriber had been disputing with HSBC directly after reading about the “623 method” on the web. It took a while to get the point across that many provisions of the FCRA are totally useless. Unfortunately, there is lots of misinformation on the web about NEW RIGHTS under the 2003 FCRA amendment (FACT Act) […]

Consumer statements on credit reports are IGNORED by most creditors

The FCRA allows consumers to add an up to 100-word statement after the credit bureaus refused to correct / delete accounts as per the consumers disputes.  The credit bureaus encourage consumers to submit these statements in their investigation results, but they do NOT disclose that just about no creditor reviews the credit reports because they are using credit […]

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